Embark allows agents to refer customers to PayPlan for free debt advice, with details of their I&E and financial circumstances being presented to PayPlan’s debt advisers in real time.

The platform also has Credit Referencing Agency (CRA) integration, which provides op-tional access to import other credit commitments to give a holistic view of a financial situa-tion.

Andrew Alder, director of partnerships and development at Paylink Solutions, said: “As peo-ple struggle with the increased cost of living, Virgin Money has taken its next step towards digital transformation by using

“Paylink Solutions’ Embark platform aligns its affordability systems and provide new ways for customers to engage.

“We’re delighted Virgin Money has chosen our software, which reflects the bank’s signifi-cant investment in supporting its staff and customers. As the cost of living and number of customers struggling financially increases, this couldn’t have been done at a better time.”

Nick Watson, head of collections at Virgin Money, added: “We’re really excited to be using Paylink Solutions’ Embark solution, which will allow us to streamline our affordability pro-cesses, align our teams and provide new ways for our customers to engage.

“We want to make our processes as straightforward as possible for agents and customers, and the new software is something both will benefit from.”